本文選題：小額貸款公司　切入點：信貸風險　出處：《中南大學》2013年碩士論文　論文類型：學位論文

【摘要】：摘要：自2005年中國部分地區(qū)試點小額貸款公司以來,小額貸款公司如雨后春筍般相繼開業(yè)。高科小額貸款公司是長沙市首批獲得小額貸款試點資格的公司之一,要想在激烈的市場競爭中始終保持持續(xù)發(fā)展的態(tài)勢,該公司的首要任務就是要穩(wěn)健經(jīng)營。穩(wěn)健經(jīng)營的根本就是風險管理。因此,如何做好貸款風險管理,成為高科等小額貸款公司急需解決的問題。 本文以信貸風險管理理論為基礎(chǔ),對高科小額貸款公司的信貸風險管理現(xiàn)狀進行分析。論文整體遵循“提出問題—分析問題—解決問題”的思路。首先,論文從信貸風險管理組織架構(gòu)、信貸風險管理制度與基礎(chǔ)建設(shè)、信貸風險管理流程、信貸風險管理方法方面查找問題。其次,對這些問題背后的原因進行了深入分析,認為主要原因為內(nèi)部風險控制意識薄弱、風險評估技術(shù)缺乏、管理與技術(shù)人才不足、信息溝通不順暢、內(nèi)部監(jiān)督與檢測機制缺失等。論文最后提出了建立信貸風險管理體系的思路,分別從信貸風險管理組織架構(gòu)體系、信貸風險管理制度體系、信貸風險管理流程體系進行設(shè)計。為了能夠使所提思路得到有效實施,論文提出了改進高科小額貸款公司信貸風險管理的措施,主要包括加強增強信貸風險管理意識、進行全面制度體系建設(shè)、加強調(diào)查審查專業(yè)化建設(shè)、建立內(nèi)部監(jiān)督與檢測機制、加強責任追究、優(yōu)化組織結(jié)構(gòu)等。
[Abstract]:Abstract: since the pilot microfinance companies in some regions of China began to open in 2005, micro-credit companies have been springing up one after another. High-tech microfinance companies are one of the first companies in Changsha to obtain the pilot qualification for small loans. In order to keep the situation of sustainable development in the fierce market competition, the first task of the company is to manage steadily. Become high-tech and other small loan companies urgently need to solve the problem. Based on the theory of credit risk management, this paper analyzes the present situation of credit risk management in high-tech microfinance companies. The paper looks for the problems from the aspects of credit risk management organization structure, credit risk management system and infrastructure, credit risk management process, credit risk management methods. Secondly, the reasons behind these problems are deeply analyzed. The main reasons are that the internal risk control consciousness is weak, the risk assessment technology is lacking, the management and technical personnel are insufficient, and the communication of information is not smooth. Finally, the paper puts forward the idea of establishing the credit risk management system, respectively from the credit risk management organizational structure system, the credit risk management system system, The credit risk management process system is designed. In order to carry out the proposed ideas effectively, the paper puts forward some measures to improve the credit risk management of high-tech micro-credit companies, including strengthening the awareness of credit risk management. Carry on the overall system construction, strengthen the specialized construction of investigation and examination, establish the internal supervision and inspection mechanism, strengthen the responsibility investigation, optimize the organization structure, etc.
【學位授予單位】：中南大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4

【參考文獻】

相關(guān)期刊論文 前2條

1 杜曉山,孫若梅;中國小額信貸的實踐和政策思考[J];財貿(mào)經(jīng)濟;2000年07期

2 胡云鵬;宋立恒;;我國小額貸款公司可持續(xù)發(fā)展面臨的問題及對策[J];當代經(jīng)濟;2013年02期

，

本文編號：1576693